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Dealing with a damaged roof is often frustrating. Whether you are dealing with a minor repair or larger issues such as wind damage, hail damage, or an aging roof, the entire process can be tiring. That is why South Central Roofing & Sheet Metal in Lebanon, KY, have prepared this quick guide to help you tackle the process with confidence and ease.

8 Tips for Dealing With Wind Damage to Your Roof

1. Know Your Coverage

Wind DamageBefore contacting your insurance company, review your policy to make sure you understand coverage amounts and deductibles. Knowing this information early in the process can help you avoid frustration and disputes over what is covered.

2. File Your Own Claim

Many contractors will offer to file the insurance claim for you suggesting that it will save you time. However, it is best to submit your claim so that the disbursement check comes directly to you, rather than the contractor who may keep any remaining funds without informing you.

3. Get Quotes

Do your homework and start getting quotes as soon as your roof sustains damage. Getting a quote early on can make the process easier for the adjuster. They may be able to move your claim along quicker if you already have estimates lined up.  

4. Verify Contractors Insurance Coverage

Before work begins, get proof of your contractor's workers’ compensation and liability insurance. Obtain either a letter from the insurance company verifying this information or call and get verbal confirmation. You could be held responsible for injuries or damages if the contractor does not have coverage.

5. Obtain Documentation of Prior Roof Work

Your insurance adjuster may want to see records of any prior work done on the roof. They may want to compare past repair issues to your current claim to make sure they are paying for damage resulting from the current incident. Having this information ready can save time that you might spend trying to find the documentation later in the process.

6. Consider Layering

You are allowed to have up to two layers of asphalt shingles on a roof. If there is already one layer on your roof, you can opt to install the new roof on top of it. Stripping off the old roof is time-consuming and costly, so installing the new roof on top of the old one can save you money. Ask your contractor and adjuster if layering is acceptable for your claim.

7. Go for Quality

Use this as an opportunity to upgrade your roof with newer materials that will extend its life span. With advances in technology, some modern shingles will last up to 50 years.

8. Post-Job Inspection

Whether the insurance company requires one or not, make sure you perform an inspection to verify the quality of the work so that you can address any issues before the contractor leaves.

The right information can help save you time and frustration when dealing with an insurance claim. If you have experienced hail or wind damage to your roof, let South Central Roofing & Sheet Metal help. This team of expert roofers has over 20 years of experience installing the most durable and long-lasting roofs in Lebanon, KY. Call them today at (270) 692-6080 to request your initial estimate. You can also visit them online for more information.

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